Heartland Bank and Trust Company rates: up to 4.10% APY
bank · FDIC CERT 20369 · www.hbtbank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Simply Savings | Less than $25,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | Less than $25,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | $25,000 – $99,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | $25,000 – $99,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | $100,000 – $249,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | $100,000 – $249,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | $250,000 or more | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Simply Savings | $250,000 or more | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 3 Month | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 3 Month | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Month | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Month | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 8 Month | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 8 Month | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 13 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 13 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Variable IRA + | 18 months | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Variable IRA + | 18 months | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 23 Month | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 23 Month | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Capital Money Market | Less than $10,000 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | Less than $10,000 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | $10,000 – $49,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | $10,000 – $49,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | $50,000 – $99,999.99 | 1.51% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | $50,000 – $99,999.99 | 1.51% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | $100,000 – $500,000 | 2.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | $100,000 – $500,000 | 2.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | More than $500,000 | 2.27% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Money Market | More than $500,000 | 2.27% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | Less Than $10,000 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | Less Than $10,000 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $10,000 – $24,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $10,000 – $24,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $25,000 – $49,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $25,000 – $49,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $50,000 and $99,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $50,000 and $99,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $100,000 or more | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Money Market | $100,000 or more | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Capital Interest Checking | Less than $2,500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | Less than $2,500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $2,500 – $9,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $2,500 – $9,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $10,000 – $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $10,000 – $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $25,000 – $99,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $25,000 – $99,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $100,000 or more | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Capital Interest Checking | $100,000 or more | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | Less than $2,500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | Less than $2,500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | $2,500 – $9,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | $2,500 – $9,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | $10,000 – $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | $10,000 – $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | $25,000 or more | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Checking | $25,000 or more | 0.07% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.hbtbank.com/rates | 2026-11-01 14:25 UTC | ok | c8d4075a7786 |
| www.hbtbank.com/personal-banking/savings-and-cds/ | — | extract-failed | |
| www.hbtbank.com/rates/ | 2026-11-01 14:14 UTC | ok | a751d7130472 |